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Firstly, you need to consider your base cost. These are things that are essential to survival, or things you simply will not budge on. A lot of savings advisers will tell you to drop your phone plan, high speed internet, and move into a cheaper apartment. Complete upheaval of your personal foundation isn't necessary whatsoever, but to create a decent personal budget, organization is.
Things to consider for your base costs:
Rent & Utilities
Phone Bill
Car Insurance
Credit Card Minimum
These are inflexible. Unless you're living in an apartment way beyond your means by yourself, or have a 150 dollar data plan, move on
Now come secondary costs. These things are essential but can be easily adjusted:
Food
Gas
Entertainment (including the bar, partying)
Clothing
Now, compare this total with your income. Be liberal in your estimate to account for the most spendy months. How does it shape up, and how can you change it?
Assuming you're reasonable with clothing and don't drink more than two-three nights a week, the biggest budget killer is food. Most either don't cook, or cook rarely. You may be surprised to find out what seem like three cheap fast food meals can equal three to five days of grocery.
Here are some staples that can create a massive variety of dishes, and can cost around 50 cents per meal:
Eggs (Scrambled, over-easy, ((either on toast)), poached, fried, etc)
Beans (In sauce, or with veggies, you can easily make a vegetarian chili)
Pasta (Unlimited possibilities to combine with various sauces, veggies, meats)
Chicken (Fried, pan-sauteed, poached, baked, thousands of possibilities and marinades)
Rice (As many, if not more possibilities than pasta. This is a staple across the whole world but an afterthought here. Obviously there are thousands of ways to prepare it)
Bread (to be combined with the above, obviously you can go the spread route or pile on chicken or cold-cuts to be taken with you for lunch)
And make sure to save the plastic grocery bags! They can be used for a variety of things, like trash liners, picking up after pets, lunch-bags, etc.
So many people spend between 15 to 30 dollars daily on food and things like coffee without realizing it. One trip to Starbucks can buy you a day and half of groceries. If you can wake up 15 minutes earlier to eat breakfast, and possibly pack your lunch, you can save enough to make a car payment, a rent payment, or at least take massive chunks out of credit card debt, all the while teaching oneself how to cook and live healthier. For dozens of other ways to save money immediately from clothes to fuel efficiency to fitness please visit http://gettingcheap.blogspot.com/2009/02/how-to-easily-create-personal-budget.html
Friends Link : anolon advanced 12 inch 5 quart covered saute pan
